Insurance for entry to Montenegro: who needs it, rules for different visa categories, and where to buy it?

Montenegro is a unique country on the Adriatic coast that has been attracting tourists and migrant workers for decades. Find out who needs to take out travel insurance before travelling to Montenegro and how to do it to feel confident about any trip

An insurance policy is a guarantee of your safety and peaceful stay outside Ukraine

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When planning a visit to Montenegro, regardless of the purpose of the trip - be it tourism, study, employment or other circumstances - it is important to be familiar with the current requirements of the country's legislation, in particular, regarding health insurance. The issue of having an insurance policy is of particular importance in view of ensuring an adequate level of medical care and financial protection for foreign nationals in the country. This article will provide a detailed overview of the categories of persons for whom health insurance is a prerequisite for entering and staying in Montenegro, as well as clarification of the recommended insurance policies for other categories of travellers. In addition, attention will be paid to the aspects of medical care for persons granted refugee status or temporary protection and the requirements for compulsory motor third party liability insurance for owners of vehicles entering the country. The purpose of the publication is to provide readers with comprehensive and objective information that will help them to plan their trip to Montenegro in an informed manner, taking into account the current legal regulations.

Who needs insurance to enter Montenegro?

According to the current legislation of Montenegro and official sources, the requirements for health insurance to enter the country are as follows:

Categories of persons for whom health insurance is mandatory:

On the basis of the Law on Foreigners of Montenegro (Zakon o strancima Crne Gore) and related by-laws, the following categories of foreign nationals are subject to compulsory health insurance for entry and stay in Montenegro:

Foreign nationals who obtain a temporary residence permit (privremeni boravak) in Montenegro on the basis of study (studiranje)

In order to obtain a temporary residence permit for the purpose of study, students are required to provide proof of a valid health insurance policy that covers the costs of medical care during the entire period of their stay in the country. This follows from the requirements of Article 45 of the Act on Foreigners, which defines the necessary documents for obtaining a temporary residence permit.

Foreign nationals who obtain a temporary residence permit in Montenegro on the basis of employment (rad)

According to Article 41 of the Law on Foreigners, in order to obtain a temporary residence permit for the purpose of employment, a foreigner must have, among other things, a valid health insurance policy covering the costs of medical care in Montenegro.

If you are planning to emigrate to Montenegro, find out the most accurate information on how to obtain a residence permit in this country, what documents you need and what are the advantages and disadvantages of living in a tropical country.

Why is it advisable for tourists to purchase a health insurance policy?

Although for citizens of countries with which Montenegro has a visa-free regime, health insurance is not a prerequisite for entry for tourist purposes, it is highly desirable and recommended for the following good reasons

- Coverage of unforeseen medical expenses - when travelling, there is a risk of accidents, sudden illnesses or exacerbation of chronic conditions that require urgent medical care;

- organisation of medical care - the availability of an insurance policy often involves not only payment for medical services, but also the organisation of medical care, including calling a doctor, transport to a medical facility and communication with medical personnel;

- peace of mind and confidence while travelling - having health insurance, you will feel more secure and confident in case of health problems, which will allow you to enjoy your trip without unnecessary worries.

Local state insurance for refugees

Persons who have been granted refugee status (azil) or temporary protection (privremena zaštita) in Montenegro are entitled to medical care under the conditions provided for by the Montenegrin legislation on asylum and temporary protection. As a rule, persons with such status have access to the necessary medical care, which can be provided at the expense of public funds. The detailed conditions and scope of medical services for refugees are determined by the relevant Montenegrin regulations and may vary depending on the status of the person and his/her needs. For specific information, refugees should contact the Department for Refugees of the Ministry of Internal Affairs of Montenegro (Direktorat za azil Ministarstva unutrašnjih poslova) or the offices of international organisations dealing with refugees.

A Green Card is required if you are travelling by car

In accordance with Montenegrin legislation and international agreements, a valid international insurance policy ‘Green Card’ (Zelena karta ) is a prerequisite for entering the country by car registered abroad. ‘The Green Card is an international certificate of motor third party liability insurance.

This policy confirms that you have third party liability insurance in case of damage to their life, health or property as a result of a road traffic accident in Montenegro. If you do not have a valid Green Card policy when entering Montenegro, you will be required to purchase a local border insurance policy (granično osiguranje).

The best guide for drivers in Montenegro is on the Visit Ukraine portal. Learn all about traffic rules, toll roads and possible fines in the most picturesque country on the Balkan Peninsula.

General requirements for insurance policies for short and long term trips

Requirements to the insurance policy, according to the legislation of Montenegro

1. Validity on the territory of Montenegro for the entire period of validity of the temporary residence permit.

2. The insurance policy must cover the costs of necessary medical care, including outpatient and inpatient treatment, as well as other medical services that may be required during your stay in the country.

3. The validity of the health insurance policy must be at least as long as the validity of the temporary residence permit. In some cases, it may be required that the policy be valid for a certain period of time.

4. The insurance company that issued the policy must be recognised and authorised to provide health insurance services in Montenegro.

5. The policy must provide coverage in the event of medical emergencies and the need for urgent medical care.

Mandatory insurance requirements for Schengen countries

1. The amount of cover is significantly higher than EUR 30,000, with a guarantee that any recovery and repatriation costs and treatment costs for COVID-19 will be covered.

2. The insurance covers a wide range of risks (visits to doctors, hospital treatment, medicines, etc.).

3. The territory of coverage is all Schengen countries.

What kind of insurance can I get in Montenegro?

Before travelling to Montenegro, we recommend that you take out insurance in your host country. Of course, you can do this upon arrival in the country, but in this case there is a risk of facing a number of unpleasant issues, such as

- limited coverage (only Montenegro);

- high prices;

- lack of understanding of the nuances of the country's legislation;

- possible misunderstandings during translation.

There are a number of advantages to taking out a health or travel insurance policy from Ukrainian insurers:

1. Ukrainian insurance companies offer a wide range of insurance products that can be easily purchased online.

2. Ukrainian insurers have a good understanding of the needs of Ukrainian citizens and offer policies that take into account the specifics of travel and medical risks.

3. The cost of insurance policies from Ukrainian insurers is often more affordable than that of foreign companies.

4. Taking out a policy with a Ukrainian insurance company contributes to the development of the national insurance market and supports the country's economy.

5. Ukrainian insurers have experience in settling insurance claims with Ukrainian citizens, which can simplify the process of receiving insurance payments.

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What does insurance from Ukrainian insurers cover?

Medical and travel insurance policies can be purchased on the Visit Ukraine portal. Before doing so, we recommend that you familiarise yourself with the risks they cover.

What are the benefits of a health insurance policy on Visit Ukraine?

A basic medical policy will cover the following risks:

- medical consultation and diagnosis

- treatment;

- emergency medical care, including hospitalisation;

- reimbursement for medicines prescribed by a doctor;

- transport costs for evacuation to the nearest medical facility;

- emergency dental care.

Extended health insurance can additionally cover expenses (vaccinations, emergency surgeries, repatriation of the body to the home country in case of death of the insured person, etc.) The policy also covers other travel-related risks:

- flight delay/cancellation

- loss of baggage;

- telephone communication costs;

- damage to personal transport in the event of an accident

Take out a travel insurance policy at Visit Ukraine and travel comfortably and safely!

What are the benefits of a travel insurance policy on Visit Ukraine?

A travel insurance policy provides coverage for the following risks

- medical expenses (inpatient or outpatient care);

- dental care in case of emergency;

- evacuation and transport;

- repatriation of the body or burial;

- Flight cancellation or delay;

- loss of baggage due to the fault of the carrier;

- legal advice;

- protection in case of an accident.

Take out a travel insurance policy at Visit Ukraine and protect yourself from unpleasant situations while travelling!

How much does the insurance cost?

Medical insurance

Travel insurance

On the Visit Ukraine portal you can choose a policy for travelling to any country in the world!

Advantages of applying for a policy at Visit Ukraine

1. Quick and easy: You will immediately know the cost of insurance, and it only takes a few simple steps online to get it.

2. Favourable price and payment without problems: You will be offered a good price, and you can pay for the policy in a way that is convenient for you.

3. Reliable and instant: Immediately after registration, the insurance will be sent to your email, which is very safe.

4. Insurance just for you: You will be able to choose the insurance option that best suits your needs and financial capabilities.

5. Help is always at hand: At any time of the day or night, you can contact the service for support.

An insurance policy is the key to a successful and safe trip to Montenegro!

Just a reminder. Earlier we told you how to get to Ukraine from Montenegro as quickly and comfortably as possible .Follow the link to find out what will be most convenient for you: flight + train / bus, regular bus or travelling by car.

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